Latest / SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day! / Yoreh De’ah 169:20-170:2. Interest: Lending Between Jew, Non-Jew and a Jewish Guarantor (3 Types)

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Yoreh De’ah 169:20-170:2. Interest: Lending Between Jew, Non-Jew and a Jewish Guarantor (3 Types) · SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day!

• 0:02
  OK, Hokos Rebus today. We're going to be continuing
• 0:06
  with KUF. I'm in a moment.
• 0:09
  I just want to go back for a drop and just re explain the.
• 0:13
  End of the Rama. Or it's really.
• 0:16
  Most of the Rama in. The last the last two-month.
• 0:21
  Kufsa Mukhtet. You look at HAF.
• 0:24
  The Rama and Haf. I'm going to explain it.
• 0:27
  Better this time. But I'm not going to read it
• 0:29
  inside you'll. We did that and you can do.
• 0:32
  It on your own. So let me just.
• 0:34
  Explain the case. The non Jew, the guy is the
• 0:39
  malvet. And he wants to sell his loan
• 0:43
  that he has. With he has a.
• 0:46
  Loan with the Jew and he's collecting.
• 0:48
  Interest, we'll call that. Jew number one, and he wants to
• 0:51
  sell it. Sell it.
• 0:54
  To June, his portion. To June #2 right now #1 is.
• 1:01
  Paying the goy interest. When he sells it can.
• 1:06
  The Jew continue paying. Interest June #1 Can you can pay
• 1:11
  interest to June number? Two.
• 1:12
  I mean, right? Number the June #2 is purchasing
• 1:15
  this loan or whatever it is getting it transferred over from
• 1:18
  the goy. So it used to be a mutter for
• 1:21
  June #1 to pay interest now when a Jew.
• 1:25
  Buys a goyish. A loan involved with the goy can
• 1:29
  he continue collecting ribis? Can the second Jew buy this loan
• 1:35
  knowing that the Jew that the about with the Jew number one
• 1:42
  paying him interest? Was he allowed to buy it and can
• 1:46
  collect? Interest.
• 1:47
  So it depends. There Amas if Jew #1 cannot pay
• 1:55
  the loan early, he can't end the loan and pay it and then just
• 1:59
  stop paying his interest. In other words, they make a
• 2:01
  deal, you have this loan is for five years and there's no.
• 2:05
  Way out. So therefore.
• 2:08
  It's mutter to sell the loan to a Jew and this Jew can now pay
• 2:13
  interest. To the Jew.
• 2:14
  Why? Because when he buys the loan,
• 2:19
  he's. Buying everything outright 1.
• 2:22
  Purchase price if the loan is locked in for five years, then
• 2:27
  you know any actuary and probably.
• 2:29
  Anyone. Who's not even an actuary can
• 2:31
  figure out a. Little simple.
• 2:33
  Program how much he's. Going to have to.
• 2:35
  Pay any mortgage broker. Can tell you how much you're
• 2:38
  going to pay for the next. Five years, obviously.
• 2:41
  If it's not variable. It's another story.
• 2:43
  But if it's. A fixed amount.
• 2:47
  Then it's clear for five years. How much you're?
• 2:48
  Going to have to pay for the next.
• 2:51
  Five years so. Then.
• 2:53
  It's it's already predetermined. When this second Jew comes along
• 2:57
  and buys it, he's not buying it now for today's price and then
• 3:02
  going to be collecting interest in the future.
• 3:04
  We look at it as right now he's buying the entire loan with the
• 3:09
  interest. It's similar to the expression
• 3:11
  that we saw. Before Zakov, Karen Verybeat
• 3:14
  when you put them. Two together and now the loan
• 3:17
  was already happened a year ago, now he wants to sell it so now.
• 3:22
  And we know exactly. How much he's going to collect
• 3:24
  for the next five years in our example.
• 3:26
  So all that becomes. Karen for the next exactly so
• 3:29
  when the second Jew. Buys it.
• 3:32
  He's buying Karen now. Why would a Jew?
• 3:35
  Do such a thing. Because he's going to get a
• 3:37
  discount. It just it's all based on.
• 3:39
  You know, money, finances, if you know you're going to have to
• 3:42
  wait five years to get your money, you're paying less for
• 3:45
  it. And that's.
• 3:46
  Much of them that's. When it comes to.
• 3:49
  When you're doing a. Derek Mecca, it's.
• 3:51
  Mutter we can discuss. It later, but there has to be.
• 3:54
  A financial reason for him to be doing this, he's getting.
• 3:57
  At a little bit of a lower. Cost and generally speaking.
• 4:01
  But we can leave that part up to.
• 4:03
  Us what exactly? You're buying $100,000 loan, but
• 4:09
  he's getting it for 80. Exactly.
• 4:11
  And if it would have been, let's say the Karen maybe was. 60.
• 4:15
  And if the Karen was 60 and now he's going to get 100?
• 4:18
  At the end of. Five years he's.
• 4:19
  Willing to buy it now to get the money cash in his hands right
• 4:23
  now. To get the 80.
• 4:25
  The one who's? Selling it the.
• 4:27
  But the but the. Jew is doing it.
• 4:28
  Because he's. Expecting to pay 80 now and
• 4:31
  he's. Expecting to receive. 100 at the
• 4:34
  end of five. Years.
• 4:35
  Anyways, it's just. But the Rama says.
• 4:38
  If the Jew. In the in this case that we had
• 4:42
  could get out June #1 can get out of the loan and pay it off
• 4:45
  at any. Time.
• 4:47
  Then it's us. Because we don't call.
• 4:49
  That Zakov. Karen Verybeat because it can
• 4:52
  get He can stop paying at any time.
• 4:55
  There's no fixed amount yet until.
• 4:57
  Five years past. There's no fixed amount.
• 4:59
  If he can pay it off early every day he holds on to that loan.
• 5:02
  He has to pay interest for that. Day so therefore that it's not
• 5:08
  the and if he. Continues getting paid interest
• 5:11
  from the Jew afterwards. That would be real repeat
• 5:14
  because there is Anyway I think that's.
• 5:18
  Hopefully you'll explain that well enough.
• 5:21
  Now let's read Kavva again, because that also I didn't do
• 5:24
  justice to. Kavva.
• 5:26
  Well, this one will read inside Mashkun one second.
• 5:34
  Mashkun should be yad. Yisrael.
• 5:37
  Mashkun, but you have. Here let me explain.
• 5:41
  You have two Jews. There's a malve.
• 5:43
  And a lova and at this. And there's a mashkun.
• 5:46
  That goes. From the lobe.
• 5:49
  And the the Malvet. Holds on to it and.
• 5:53
  I'm assuming right now there's no ribis.
• 5:55
  Over here, right, it's two Jews. From Jews and there's just a
• 5:59
  loan. It's a free loan caring for
• 6:01
  Karen you're going to get. It back now.
• 6:04
  The Malve. One who's he's holding on to.
• 6:07
  This mash gun. He wants money now.
• 6:09
  He's low on cash. He wants to sell this, He wants
• 6:12
  money, or he wants to. Borrow money.
• 6:14
  So he goes. To and he's holding on to the.
• 6:16
  Mash gun. Of the lobe of the.
• 6:18
  So it's a Jewish? Mash Gun.
• 6:20
  It's owned by a Jew. But it was.
• 6:23
  Given to him. So there's a certain Kenyan.
• 6:25
  Involved now the Malvet. Goes and he.
• 6:28
  Borrows. Money from a goe.
• 6:31
  That's the case. Use use the mushroom.
• 6:42
  He's using the mash. Gun the MASH gun.
• 6:44
  Very beat the. Ally we throw a Karen very beat
• 6:51
  mother. Right, You want money.
• 6:56
  Take my mash gun. That you already have.
• 6:59
  And give it. To A and then you can.
• 7:02
  Use that mushroom. To get to convince.
• 7:05
  The goy. To lend you money.
• 7:07
  So the a lie which would be the payment that.
• 7:17
  I'm right, but. And so who's paying the ribis?
• 7:20
  It's on the lobe, the lobe, right?
• 7:24
  The lobe is going to pay it. Right, because.
• 7:30
  Here, let me finish. Explaining the whole.
• 7:37
  The the whole halva. Is being based.
• 7:39
  On the Mashkun. And that's.
• 7:41
  Owned by the Jew and in the hands of the goy now and.
• 7:45
  The goy, his the. Way.
• 7:47
  The only way he could collect is he can't go back to the middle
• 7:50
  Jew. He could only go.
• 7:52
  Collect off. Of the Mashkun.
• 7:54
  So therefore. It's 100% mutter.
• 7:58
  To have ribis because you're having.
• 8:00
  The new loan is really between the Jew.
• 8:04
  Via Hezmashgun. And the goy and this middle.
• 8:07
  Jew is not. Involved and not responsible.
• 8:10
  At all, so we're so it's considered.
• 8:12
  A loan directly between one Jew and the goy, and therefore
• 8:16
  ribis, is 100% permitted. OK.
• 8:28
  Right, right. The middle Jew.
• 8:32
  Got is not involved. There you go OK yeah.
• 8:38
  And so and I'll just recap the cub Zion is basically similar
• 8:42
  idea that when you're. Giving over a mash gun.
• 8:45
  With loans, the point. Is it's a mutter.
• 8:48
  If there's interest involved. Is when the GOI could only
• 8:52
  collect. From the MASH gun.
• 8:54
  Similar to this case. But OK, let's let's continue
• 8:59
  with kuf, aye? So again.
• 9:07
  Let's just re explain. Real quick in Arev.
• 9:12
  There are three main. Types of an.
• 9:14
  Arev of a guarantor? It's important to know.
• 9:17
  Very important to know. An Arev song a.
• 9:20
  Regular normal arev, right? You just say the words arev.
• 9:24
  What are you normally? The way it works is you're a
• 9:27
  guarantor. But like secondary.
• 9:31
  To the Lova, the borrower. Is the one who's taking the
• 9:34
  money and he's making the deal. With the lender, with the malva.
• 9:38
  There's this. But.
• 9:40
  There's a secondary RA. In other words, the malva the
• 9:43
  lender can only go after initially could only go after
• 9:48
  the lender the. The borrower, The Lova.
• 9:51
  He can't go to the RA. First.
• 9:53
  First you go to the Lova, but if the lova is giving you a.
• 9:56
  Runaround and he's not paying up when he's.
• 9:58
  Supposed to so. Then you can go.
• 10:01
  After the arev. So an arev Stan.
• 10:03
  You first. Can only go to the lova and then
• 10:06
  afterwards. You can.
• 10:07
  Go to an AREV. What about an AREV?
• 10:10
  Kablan, so there. They're in it together and the
• 10:15
  the. The lender, The Malva.
• 10:17
  Can choose I'm going to go after the lova first or I'm going to
• 10:20
  go after the? Arev first.
• 10:23
  That's a second category. It's a second type of an AREV.
• 10:26
  We're going to see it that begin.
• 10:27
  Begins to be a problem and the last.
• 10:32
  Category is an arev. Schluftdutz, What is that?
• 10:36
  We'll explain kind of where the. Lashan comes from.
• 10:39
  But a arev schluftdutz that means.
• 10:41
  The lender, the Malvik, can only go after this.
• 10:45
  Arev Schluftdutz basically this type?
• 10:48
  Of an AREV took all responsibility from the Lobe.
• 10:52
  The Lobe doesn't have to worry about it.
• 10:53
  Their friends, their family members, whatever it is, he's
• 10:56
  doing them a favour and he knows he's that.
• 10:58
  Malva's only. Going to go after the Arif or
• 11:00
  there's some other some other interest involved?
• 11:03
  Whatever, it is OK. So now let's read inside.
• 11:08
  Olive Yisrael. Shalova, Maut.
• 11:13
  Migoy. The ribis, so they have Yisrael
• 11:17
  is. Borrowing the money from the
• 11:19
  goy. Who's the malva we're going to
• 11:22
  see? Bet is the opposite order.
• 11:25
  See if bet. So this case is usser.
• 11:27
  I mean, they're basically the same halacha in both.
• 11:30
  Directions. So let's just.
• 11:31
  See the Malva. Is a goy and he's getting.
• 11:36
  Veribus, I'm sorry, usserly you. And and another.
• 11:45
  Jew can't step. In to become an.
• 11:49
  Arev you have to. Keep reading, hold on so far.
• 11:51
  It really is butter, but when is it asser?
• 11:53
  Depends what kind of arev we're talking.
• 11:55
  About Shikayvan shabadin nahim. Toveya arev tehila nimza.
• 12:01
  Arev toveya. At at Israel very.
• 12:06
  Beat so in Nirhalaka by the Goyim it's normal.
• 12:12
  For the goy to 1st go after the Arif, so therefore the Arif.
• 12:19
  Is becoming responsible, is becoming in between the Jew and
• 12:23
  the non Jew and what's happening as we look at it as.
• 12:27
  The goy goes to the Arif. And the Arif is now then
• 12:30
  afterwards going to go collect. From the Jew, almost.
• 12:33
  Like it's two separate. Loans.
• 12:35
  OK, so taveya Arif. Tequila nimza Arif toveya.
• 12:38
  ET Israel So then afterwards the Arif.
• 12:41
  Is going to go after the Jew. That's Judah.
• 12:42
  We're talking about a Jewish. Arif so it's.
• 12:45
  A Jew is going to go after a Jew.
• 12:46
  Baribus to collect ribus Shah. Arif Kaya Balaguya, the amount
• 12:51
  that he's has. That he just paid to the goy,
• 12:55
  however, are therefore in Kibil Allah, Vagoy, Shiloh, Yituba ET
• 13:02
  ha Arif. Tequila Hare Zamata.
• 13:04
  If the Goya tells you, I'm not going to go.
• 13:07
  After the arev. 1st 1st I'm going to go.
• 13:10
  After the Lova. Then it's mutter.
• 13:12
  So in other words. Just to say it how we.
• 13:15
  Started and arev. Stam is mutter.
• 13:18
  And this is an. Arev Kablan this case.
• 13:22
  Is an arev Kablan or the guy can go after either one, but he's
• 13:26
  normally going to go. After the arev first, but the
• 13:31
  point is he can go after either. One and that's.
• 13:33
  Why it's us. Haggah, the Haidnah, but
• 13:38
  nowadays not exactly the same, so I understand that I'm not
• 13:49
  correctly. But really it.
• 13:52
  Depends on the there are masses nowadays.
• 13:56
  Unlike in the times of the show. When the show.
• 13:59
  Wrote it. They lived.
• 14:00
  There on the same. Time but anyways.
• 14:03
  Is it different countries, right?
• 14:04
  Very different countries. But.
• 14:06
  He writes the Rama writes in Europe.
• 14:08
  And normal. Arev is an arev.
• 14:12
  Stam you can't go to the arev unless you.
• 14:14
  Prove you tried. Going to the Lova. 1st.
• 14:17
  So that's so then? It would be mutter.
• 14:19
  In. Other words any arev Stam is
• 14:21
  mutter but. An arev Qablan.
• 14:24
  Then you become like the middle man, but the middle man becomes
• 14:28
  like he. He like, breaks it a little.
• 14:30
  Bit and it becomes like a new loan.
• 14:33
  OK, no, it's. Ongoing.
• 14:43
  There's no. Zakov that he can.
• 14:44
  Get out of anytime. It's.
• 14:46
  He's paying every month. Or whatever, Yeah.
• 14:49
  And it's. Accruing as they go along
• 14:51
  anyway. Base.
• 14:53
  Sorry. That's just a letter.
• 14:57
  Sorry, that's from the the shock.
• 14:59
  Viesh omrim sheno aser. Elba Ariev Schluftatz.
• 15:03
  Now this. Yeesh.
• 15:04
  Omrim is telling you no, no, no. There's another opinion and
• 15:08
  we've shown. Him that an Ariev?
• 15:10
  Kablan is mutter and right for sure.
• 15:12
  An Ariev's thumb is. Mutter and an Ariev Kablan's
• 15:15
  also mutter. To be an.
• 15:18
  To be an Ariev Kablan the only time.
• 15:20
  It's. Aser is to be.
• 15:22
  An Ariev. Schluftatz because an Ariev
• 15:24
  schluftatz is when you. Could only go.
• 15:27
  To the Ariev shuftatz. And now in Kablan.
• 15:30
  You're still. Connected the original.
• 15:35
  Lova is still connected. So we don't really say you.
• 15:38
  Come, you take in. It's a complete stop and it's
• 15:41
  like a whole new loan between Jew to Jew.
• 15:44
  You're just an Arif, just like an Arif.
• 15:46
  Stum, it's the same. Idea because the essential.
• 15:48
  Loan is between the GOI and the Jew and not.
• 15:52
  Judaju, but only as Schlofdutz. Well, then that.
• 15:55
  Totally kicks. Out the Lova.
• 15:58
  The the goy can't even go to the Lova.
• 16:01
  Can only go to the arev. So therefore it becomes.
• 16:04
  Awesome. Let's read inside.
• 16:08
  Again, Perush, what's the expression of Schlovtutz?
• 16:12
  So there's a couple. Of different perushi, the one
• 16:14
  that's quoted here. Is an.
• 16:16
  An AREV. Schemekanen Telova. Medina, Malva.
• 16:19
  Kishlovtutz. Why is it called Arev
• 16:22
  Schlovtutz? Because it's like you clean.
• 16:24
  The malva from the. The Lova.
• 16:26
  From the Malva, you wipe them away.
• 16:27
  He doesn't have to worry about paying them back.
• 16:29
  The RF takes all responsibility. What?
• 16:34
  Yeah, steel wool. So.
• 16:35
  Scrubs and clean. OK, Shu.
• 16:38
  Now. But where does that word come
• 16:39
  from? A.
• 16:40
  Schlufts. Is it's a mean?
• 16:42
  Asif it's a type of herb. Shimiab Shinoto they would.
• 16:46
  Here's your steel wool. They dry it out and.
• 16:49
  And they would use this. I don't know, some kind of a
• 16:53
  sponge? Or a rag ilu.
• 16:55
  It would be used when it dries out.
• 16:57
  You can use it to. Clean away the sweat.
• 17:00
  From your. From your hands.
• 17:02
  So that's the expression of washing away.
• 17:06
  Taking the responsibility from one to another.
• 17:09
  That's how you get. Expression of Schliftutz.
• 17:11
  There's another. Perush, that has to do with the
• 17:14
  words. Of Motzi Vennatz.
• 17:18
  That you take out and you stake. Into the ground.
• 17:21
  You're basically removing the let the Lova from responsibility
• 17:27
  and you're sneaking into the ground.
• 17:29
  The arev. The arev.
• 17:30
  Is being vinatz is. Bimkomo, he's being.
• 17:35
  He's taking his place, right? You remove one and you stick one
• 17:38
  in front of the other and. That's where the expression
• 17:40
  comes from. OK, so let's keep.
• 17:42
  Reading the Hainu, she. Aimed in a malva in a lova claw
• 17:46
  is when you. Have an Arev Schluftutz.
• 17:48
  There's really nothing to do between the malva and the lova.
• 17:50
  He's total. The Lova is totally out of the
• 17:52
  picture, Shu. Yako, you know.
• 17:55
  Shuyako likoto ezo are. He can't do anything to the he.
• 18:06
  Can't do anything. To him when he's by the arrow.
• 18:11
  Right, right. The the.
• 18:14
  Louisville will just tell him go to the.
• 18:16
  Go to the arrow. Right.
• 18:17
  Good. And I'll just point out this
• 18:23
  part. Gets a little bit tricky.
• 18:25
  Alakhala Maisa, but the. Just to.
• 18:27
  Open it up. The shock points out that
• 18:31
  according to the Shah Khanarah or Basiosef, same person.
• 18:36
  Make that lekhadhila. One should.
• 18:41
  Follow the Staub. Opinion that an are of Kablan is
• 18:45
  a problem. But he holds.
• 18:48
  But the avid. One can rely on this.
• 18:51
  Yesh Omrin in. Other words whenever there's
• 18:53
  this Suffolk in. Denimaminus when it comes to
• 18:56
  ammotzi mechavero Ala varaya. When you get into.
• 18:59
  Certain cases. If the one who's the one who's.
• 19:05
  Trying to protect themselves is holding on to the money, can
• 19:07
  say. I hold like the.
• 19:08
  Yesh Omrin. And that's.
• 19:09
  That in this case is. Acceptable.
• 19:13
  OK, anyway, and at least according to the.
• 19:18
  Shah, this case of Schluftdutz is a problem on the the ARISA
• 19:23
  level. According to the Besiosev.
• 19:25
  That's what the Shah. Explains into the Besiosev and
• 19:29
  the I think the Taz Paskin's like that as well.
• 19:32
  But we're going to see the Rama holds.
• 19:33
  This is all these cases are only the Rabbanan cases.
• 19:36
  We're going to see that in one second.
• 19:37
  So just stay. Tuned Hagar the IMA varvadasi
• 19:41
  are vado now. So we just learned you can't.
• 19:46
  You can only be an Arev Stan. You can't be an arev Qablan, and
• 19:49
  certainly. Not an Arev Shloktutz.
• 19:51
  But what if you did you you you were so if there?
• 19:58
  Was such a loan between a Jew and a non Jew and you became an
• 20:01
  arev? So you still have to pay.
• 20:04
  You are an AREV if you can't get out of.
• 20:05
  It so you have to pay at least the Karen, that's for sure.
• 20:08
  I will Ena sorry clotate repeat should noting bishvilo.
• 20:12
  But the Loba. Doesn't, doesn't have to.
• 20:15
  Pay the rebate to the arev of what the of what the AREV paid
• 20:19
  to the goy. The a.
• 20:21
  Norm. Retain rebate.
• 20:22
  We don't say he has to. Pay rebate because it's it's.
• 20:28
  He's not allowed to, so you don't have to pay it so.
• 20:30
  What's the hebsit? Well, he has to pay the Hebsit
• 20:36
  is the arev has to pay the. Karen and the rebate?
• 20:39
  To the goy. And then the Lova only has to
• 20:42
  pay back. The Karan the E kvar para lohar
• 20:45
  rebit. But what if he already?
• 20:47
  Paid him the rebit that he didn't need to pay.
• 20:49
  Him aim would seen Miya the the Logaran, the avak rebit.
• 20:53
  So now. If you pay the arev.
• 20:56
  Which kind of makes sense. That was, that was.
• 20:58
  You know what? The Lova agreed to.
• 21:00
  He doesn't have again. He wasn't supposed to pay him.
• 21:03
  It's evac ribit at least. According to the Roma.
• 21:06
  We said but. Now that you paid him, you can't
• 21:10
  take it. You can't force it out of the
• 21:12
  arrive because it was already. Paid and.
• 21:18
  According to the Besios if though, you could force out the
• 21:21
  Schluftutz because that's their ISA.
• 21:25
  But not from an arrive Kabla. All right.
• 21:28
  Let's get to the next one. This is the converse.
• 21:31
  Although we just had same principle, McCain, goy, Shilova,
• 21:35
  Miesra, now here the goy is. Borrowing the money from Miesra,
• 21:40
  who's the Malvet? Baribus.
• 21:41
  Also Baribus. Right, similar.
• 21:43
  Case Australi. Israel.
• 21:45
  Yodloo, Arev. So again, a Jew cannot become an
• 21:49
  Arev. Over here.
• 21:51
  Aga, we're talking. About an Arev Kablan and
• 21:56
  certainly an Arev Shlofdutz. But an Arev Stam would be
• 22:00
  mother, right? The shock points it out also.
• 22:02
  Haggah Ali, imhitna Imagoy shakos.
• 22:05
  Manche sholi FRA la arev al Shari.
• 22:09
  Right. But it's mutter that's just so
• 22:11
  we just said if you turn it. Into a case of an Arev's thumb
• 22:14
  and you can have that you. Have to go to the lobe first and
• 22:16
  it's mutter and it's mutter la kabala Karen.
• 22:18
  Very beat me. Israel IMA Yufragoy.
• 22:22
  And and so therefore. If the arev gets stuck.
• 22:26
  And he has to. Pay the Karen.
• 22:27
  And the repeat. Then he could then later on
• 22:30
  collect. It from the Jew.
• 22:31
  Vimi Sir are. Of Lobi a de Karen Lobi aadhari
• 22:35
  beat all the hefeh are of Lobi a de Karen mutter.
• 22:42
  Ramadja says real simple. The only time we look.
• 22:47
  At you as an are of Kablan or an are of Schluft that's.
• 22:51
  You become a problem. That is.
• 22:54
  Only if you become completely instead of.
• 22:59
  The of the Jew. In other words, well.
• 23:03
  Whichever case it is. Whatever it is, if you're
• 23:07
  becoming completely instead. Of somebody, then you.
• 23:12
  Become your own person. And it's like a new loan and the
• 23:14
  Jew can't pay. The other Jew Ribis.
• 23:16
  But if you're only. Partially responsible you are.
• 23:19
  Only an Arif to pay the Cairn, but not the Ribis.
• 23:23
  The Jew and the Goya are still 100.
• 23:24
  Percent tied to each other, at least he he.
• 23:29
  Has to 1st go. To the to the Lova, as long as
• 23:33
  those two are still tied. Together by being responsible.
• 23:35
  Before the Aref then. It's it's, it's all.
• 23:39
  Muttar and the Jew. And if the Jew has to?
• 23:43
  Pay back the other Jew ribis so he has to that's that's doesn't.
• 23:47
  Make you an Aref Kablan or an Aref.
• 23:49
  Schluftutz, if. You're only a.
• 23:51
  Partial RA on. Part of the money.
• 23:53
  Part of the Karen or the part of the?
• 23:56
  Principal or all the principal but not all the Ribis then it's
• 23:59
  you're not we don't look at you as becoming completely instead
• 24:03
  and that therefore it's doesn't create like a new loan of Ribis
• 24:07
  between Judah. Judah this.
• 24:13
  Part I'm just going to read. Now this is only if the goy
• 24:17
  takes. The money from the malve.
• 24:20
  Israel are with the Israel's the arev Lakhan Miyado he takes.
• 24:25
  It from him. Alpha Pisha also Bishvilagoy.
• 24:28
  Even though he's doing it for the non.
• 24:29
  Jew. It's ASAR.
• 24:31
  Then it's going. To be asar this.
• 24:33
  Is important that Rama points out vidav ka below mashkan.
• 24:36
  The only time. We have a problem.
• 24:39
  With this arev is if there's. No Mashka.
• 24:41
  About even noting no Mashka and she'll.
• 24:43
  Go EB. ADA, Karen.
• 24:45
  Yahoo arev lobe. Adaribit the Ikravala.
• 24:48
  Mashkaan Any time you have a mashkaan.
• 24:50
  Involved. There are some.
• 24:52
  Kind of some kind of some kind. Of a mashkaan that the that the
• 24:56
  goy. Or the two.
• 24:58
  The Jew and the. Non Jew can only go after the
• 25:00
  mashkaan but. They can't go.
• 25:01
  After the arev. So then it's much.
• 25:05
  So then it it's not a problem. It's mutter Alpha Gobdu, Nathlan
• 25:09
  Miyad, Yusra Malva. Even though he got.
• 25:12
  Paid from the Jew. The malva Ki ilu hilva liyad
• 25:16
  goydami. It's like.
• 25:17
  He gave it to. A to the non Jew it's only OK,
• 25:26
  it's only. OK, a little confusing, but the
• 25:30
  principles. The main thing is that.
• 25:34
  You can't can't all be on the on the Arif, it has to be on the
• 25:37
  mashkun. Or the Lova.
• 25:38
  Has to be first. The aim?
• 25:41
  Let's just finish. I think we can just finish and
• 25:43
  stop. Let's just let's just read this
• 25:44
  real quick. We mayali is strong mashkun
• 25:47
  Migoy and if the the Malva. Is the is.
• 25:51
  The Jew and he's. Holding on to the mashkun from.
• 25:53
  The goy who's? Borrowing arev goy are you
• 25:56
  having? Are you using an AREV?
• 25:57
  Is a goy. You using a mashkun or a goyesh
• 26:00
  arev who buy you? So the Amar Lola malve shyaksar
• 26:03
  lagoi mashkun shalon, he says give him back the mashkun oshi
• 26:07
  iftora arivagoya. Or he wants to just.
• 26:09
  Let off the Arivagoya. Be alone.
• 26:11
  To be free. But who are you?
• 26:13
  Vote. Sorry, Kushala Makkola.
• 26:14
  Karen Gary Beach. Allah Allah at oto ayong so the
• 26:17
  same idea if you. Want to?
• 26:19
  Remove a mashkun. And you're going to.
• 26:23
  You want. The the the loan is going to
• 26:25
  continue and you want the repeat.
• 26:27
  To continue, it's only if you prepaid all the.
• 26:31
  Karen and all the. Repeat is factored in, so
• 26:34
  everything is turned into. Karen, how about Laura?
• 26:38
  Ibichi Allah, but once you knock out this goy.
• 26:42
  And there's only two. Jews over here.
• 26:44
  You can. No, never.
• 26:45
  Have accruing interest anymore? In Lusha Mashkuna Yashava.
• 26:50
  Your tear. That's the Mashkuna is with more
• 26:52
  that's. Tariq Lala the repeat, but if
• 26:54
  you. Still have the mashkun.
• 26:56
  The Mashkun. Has to be worth more than the.
• 26:58
  Repeat can't be. Less all the Hawks are lo
• 27:02
  mashkono, bhimsaka, fagoy, hakaren IMA repeat.
• 27:06
  Of as a. Field Mashiallah Allah.
• 27:09
  And then again anytime you lump the.
• 27:12
  Karen and the repeat. Together again each.
• 27:14
  Case has to be. Factored in and it's carefully
• 27:17
  on its own, but anytime you're doing that and you're combining
• 27:21
  them and then we're saying that the new.
• 27:23
  It's as if you. Have a new loan from now on
• 27:25
  onward. And the repeat was already
• 27:27
  factored. In and now it's a free loan and
• 27:29
  a free loan. Is mutter but sorry.
• 27:31
  Right, you're allowed to pay back.
• 27:33
  Slowly over time. Either one previous.
• 27:36
  What we're thinking the. Way we look at.
• 27:39
  It was previous calculated ribis.
• 27:43
  But really, everything that now is.
• 27:45
  Is now looked at. As Karen because it's always the
• 27:47
  fixed. Ribis it was amount, but the
• 27:49
  amount of. Ribis was already fixed in.
• 27:52
  For a period of time that was already predetermined.
• 27:56
  And then Vitzari Kleshalomoako. And then irresponsible this.
• 27:59
  Jew has to pay. All of it, including the ribis.
• 28:02
  Because it's not really. Ribis, it's Karen.
• 28:05
  It's the new the new Karen, the new calculated Karen, Afila
• 28:09
  Loya. Mashgun Shava, even if the
• 28:10
  Mashgun wasn't worth much. If you're Loyola Mashkun call or
• 28:14
  there's no mashkun about that at all.
• 28:16
  I love putter are the goy Shiloh.
• 28:18
  Because we knocked. Out the are of goy and we make.
• 28:20
  Kilo a new a new loan kilo with a new higher principal amount.
• 28:25
  OK, listen.